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Government Salary & In-Hand Pay Calculator

Estimate gross pay, HRA (X/Y/Z city), DA, TA, NPS & CGHS deductions for 7th Pay Commission government jobs.

%

HRA is 30% at a DA of 53%.

Base rate ₹3,600 for Level 7.

Dearness allowance
₹23,797
53% of basic
House rent allowance
₹13,470
30% · X class
Gross monthly
₹87,675
Net in hand
₹80,095
After ₹7,580 deductions
Earnings
Basic pay₹44,900
Dearness allowance (53%)₹23,797
House rent allowance (30%)₹13,470
Transport allowance (incl. DA)₹5,508
Gross₹87,675
Deductions
NPS employee contribution (10%)₹6,870
CGHS contribution₹650
CGEGIS₹60
Total₹7,580

The government also contributes ₹9,618 per month (14%) to your NPS Tier-I account. This does not appear in your in-hand pay.

Government Salary & In-Hand Pay Calculator: how it works

A central government pay slip is basic pay plus four or five predictable components, minus three deductions. Once you know which rate applies to your level and city, the whole thing is arithmetic.

What makes up your gross pay

Under the 7th CPC, your basic pay is a single cell in the pay matrix — a grid of 19 levels, each with up to 40 stages. Every allowance is then derived from that one number.

Components of central government gross pay
ComponentHow it is calculated
Basic payA cell in the pay matrix for your level
Dearness allowanceA percentage of basic, revised twice yearly
House rent allowance30, 20 or 10 percent of basic by city class
Transport allowanceA flat amount by pay level and city, plus DA on it

HRA depends on two things, not one

House rent allowance is set by your city classification, but the rate itself moves as DA rises. Most online calculators get this wrong by hardcoding a single set of rates.

HRA rates by city class and DA level
City classDA below 25%DA 25–50%DA above 50%
X — major metros24%27%30%
Y — other large cities16%18%20%
Z — remaining places8%9%10%

X class covers Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad. Y class covers most state capitals and larger district headquarters. Everywhere else is Z.

Transport allowance is banded by level

Transport allowance is not a single figure. It is banded by pay level, doubled in higher-TPTA cities, and DA is paid on top of it.

Pay levelHigher TPTA cityOther city
Levels 1–2 (basic below ₹24,200)₹1,350₹900
Levels 1–2 (basic ₹24,200 or above)₹3,600₹1,800
Levels 3–8₹3,600₹1,800
Level 9 and above₹7,200₹3,600

Worked example

Worked example · Level 7 employee in Delhi at 53% DA

Given

  • Basic pay: ₹44,900 (Level 7, cell 1)
  • City: X class
  • DA: 53%
  • NPS subscriber

Working

  1. 1DA = 44,900 × 53% = ₹23,797
  2. 2HRA = 44,900 × 30% = ₹13,470
  3. 3TA = 3,600 + (3,600 × 53%) = ₹5,508
  4. 4Gross = 44,900 + 23,797 + 13,470 + 5,508 = ₹87,675
  5. 5NPS = (44,900 + 23,797) × 10% = ₹6,870
  6. 6CGHS (Level 7) = ₹650, CGEGIS = ₹60

Net in hand before income tax: ₹80,095

What is deducted

  • NPS: 10% of basic plus DA, with the government contributing a further 14% into your account.
  • GPF: 6% minimum for Old Pension Scheme employees, and you may subscribe more.
  • CGHS: ₹250 for levels 1–5, ₹450 for level 6, ₹650 for levels 7–11, ₹1,000 above that.
  • CGEGIS: ₹30, ₹60 or ₹120 depending on group.

Based on

  • 7th CPC pay matrix
  • Department of Expenditure allowance orders
  • CGHS contribution rates by pay level

Frequently asked questions

Start with your basic pay from the 7th CPC pay matrix, add DA as a percentage of basic, add HRA at 30, 20 or 10 percent by city class, and add transport allowance by level with DA on top. Then deduct NPS or GPF, CGHS and CGEGIS.

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